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SIFMA issued its 2013 Year in Review Report, which covers the role of the financial industry in economic growth and job creation, as well as progress in the financial regulatory reform process. Among the issues that the report identifies as being matters of political and/or regulatory concern, and as to which the report briefly expresses a view, are the following: The imposition of a fiduciary standard on broker-dealers Tax incentives for retirement savings State-run retirement plans for private-sector employees The use of eminent domain authority to seize homes that have underwater mortgages